A minor crisis arose as Chase Manhattan Corp.'s advertising agency neared completion of a mailing for a new debit card: It needed a cardholder name for the artwork.

It was late at night in March 1996. Don Hogle, Chase's director of retail advertising, was at his desk when the telephone rang. He agreed to let his name appear on the thousands of fliers-plus billboards and posters- promoting the new Chase banking card.

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